Understanding PIP Insurance In Florida: What It Covers And What It Doesn’t

In this article, you can discover…

• What Personal Injury Protection (PIP) insurance means for you as a Florida driver.
• The types of damages PIP insurance covers, and its limits.
• How a personal injury attorney can help you make the most of your PIP insurance

What Exactly Does Personal Injury Protection (PIP) Insurance Mean For Florida Drivers?

Personal Injury Protection (PIP) Insurance is a required coverage that will pay 80% of your medical bills and 60% of lost wages, up to a combined total of $10,000 for both types of losses.

It is a type of no-fault insurance, which means that it will pay out regardless of whether or not you were found to be at fault for the accident.

Is It Mandatory To Carry PIP Insurance If I Own Or Register A Vehicle In Florida?

Yes. In Florida, the two legally required coverages are PIP and property damage coverage. Bodily injury liability coverage is not legally required in Florida. Thus, if you are in an accident in Florida, there is a significant chance that the person who hit you will not have bodily injury liability coverage.

Be aware that “full coverage”, as defined by the state of Florida, is not really enough to protect you or pay all of your expenses in an accident. Many clients assume that they have “full coverage” in the sense of having coverage for bodily injury and other serious losses, and they do not. Be sure to check what kind of coverage you have and the types of losses it compensates.

Attorney Luke Moreau is a hard-working, skilled personal injury attorney serving Florida. Since 2013, he’s helped clients just like you understand the limits of PIP insurance and seek the help they truly need with a personal injury claim.

Have questions, or in need of legal guidance? Reach out to The Law Offices of Luke T. Moreau, ESQ. for an initial consultation today.

If My PIP Benefits Run Out, Can I Still Sue The At-Fault Driver?

Yes. Whether you use up, partially use, or do not use your PIP benefits does not affect whether you can sue the other driver. PIP is purely for your own benefit to help pay for your medical treatment.

Can A Florida Personal Injury Lawyer Help Maximize My PIP Insurance Benefits?

Yes. For one, you should speak with your attorney to make sure the medical provider you have chosen takes your PIP insurance and is not billing you excessively. Your attorney can also help you make sure that you begin your medical treatment within 14 days of the accident, as failing to do so will remove all of your PIP benefits.

How I Explain The Limits of PIP Benefits To My Clients

In almost every claim, PIP benefits won’t be enough to cover all of your losses. In reality, PIP is meant to help you pick up the pieces and pay your initial medical bills, but it is not meant to fully compensate you for your injuries or even pay for all the medical treatment you may need.
There is no financial recovery available to you through PIP, either, as the coverage goes straight to paying your medical bills.

So while PIP can cover some initial medical expenses, it is unlikely to fully cover your treatment and will not compensate you for your injuries. To receive these levels of compensation and help, a personal injury claim and the help of an experienced personal injury attorney are needed.

Still Have Questions? Ready To Get Started?

For more information on PIP insurance in Florida, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (954) 278-7439 today.